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Hawk FX review

Dedicated, one-on-one help for your overseas payments.

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How much will I pay to send money with Hawk FX?

Hawk FX doesn’t charge fees. Instead, it makes money off a margin added to the exchange rate. This is why the exchange rate you’ll be quoted is different from the one you can see on Google or Reuters — which is the mid-market rate.

How are Hawk FX’s exchange rates?

Hawk FX offers competitive exchange rates that are generally lower than what’s offered at major banks. It updates its exchange rates daily.

What types of transfers does Hawk FX support?

At the time of writing, Hawk FX only offers direct deposits to bank accounts and you’ll need to fund the transfer directly from your own account. Aside from one-time transfers, it also offers:

  • Regular payments. You can set up a payment that’ll automatically go through at whatever frequency you need.
  • Limit orders. You can request what exchange rate you want and, when that rate is met, your transfer will automatically go through.
  • Business transfers. Hawk FX has a specific product that aims to help businesses reduce volatility and risk.

Pros and cons of using Hawk FX


  • Personalized service. You’ll get a dedicated currency expert assigned to you.
  • No fees. Hawk FX doesn’t charge fees to send money.
  • Competitive exchange rates. While Hawk FX does charge a margin on top of the exchange rate, it’s often still better than going with a bank.


  • UK-based customer service. The online chat feature to talk with a representative is only available during UK business hours, but you can reach someone on the phone 24/7.
  • Only supports bank transfers. You can only pay by bank account and you’re only able to send to a bank account — Hawk FX doesn’t offer cash pickups.

How does Hawk FX compare to other services?

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

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OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
24 hours
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

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Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Within minutes

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XE has fast transfers with low fees and a range of foreign currency tools.
Within an hour
From $1.99

View details
New customers send USD 20 to Lebanon and use code ADD10 for a USD 10 discount. Valid till 7 November 2021. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within an hour

View details
Exclusive: Use code GET60 to save 30 USD on each transaction over 200 USD. Valid for the first two transactions and till 30 November 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.

Compare up to 4 providers

How do I send money through Hawk FX?

To get started with this service:

  1. Register. Head to Hawk FX’s homepage. You’ll have the option to register in the top right-hand corner. Create an account with your email address, name and password. You’ll also choose whether you’re signing up as an individual or company.
  2. Verify your email and mobile phone. You’ll be sent an email verification. Have your phone handy for when Hawk FX sends you a verification code.
  3. Verify your identity. Provide a current form of government-issued ID and add your personal information such as date of birth and address. You’ll also be asked for information about what country you pay taxes in. While Hawk FX asks for your social media information, providing it is optional.
  4. Specify the types of transfers you plan to make. Select which currencies you’re interested in as well as the main reason, frequency and size of the payments. An estimate is fine.
  5. Await account approval. You’ll be sent an email when Hawk FX has verified your account, which usually happens within 24 hours.
  6. Start your first transfer. After you open an account, your dedicated currency expert will reach out to discuss your transfer needs. They can walk you through your first transfer on the phone or you can initiate a transfer online.

How do I track my transfer?

Hawk FX will send you an email updating you on the status of your transfer each step of the way.

Is Hawk FX safe to use?

Yes. Hawk FX is government-regulated by the UK’s Financial Conduct Authority (FCA), and keeps client’s money separate from their own. Hawk FX also uses SSL encryption, which gives you a secure connection when you log in to the website.

Bottom line

Hawk FX offers fee-free transfers and stellar customer service, but its $10,000 minimum means it’s not an option for small transactions. And while the company offers competitive exchange rates, compare providers to get the best deal.

Frequently asked questions

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